2. UnumProvident
Statistical Supplement Second Quarter 2006
TABLE OF CONTENTS
(dollars in millions, except share data)
Interim Results are Unaudited
Page
Financial Highlights 1
Consolidated Statements of Operations 2
Financial Sales Data 3
Consolidated Balance Sheets 4
Financial Results by Segment 5
Quarterly Historical Financial Results by Segment 6
Financial Results and Selected Statistics by Segment
U.S. Brokerage 7
Unum Limited 8
Colonial 9
Individual Income Protection - Closed Block 10
Other 11
Corporate 12
Reserves and Policyholder Benefits 13
Investment Fact Sheets 14
Statutory-Basis Financial Information 15
Notes to Statistical Supplement 16
Throughout this supplement, segment operating results exclude income taxes and realized investment gains and losses.
See quot;Notes to Statistical Supplementquot; on page 16 for a discussion of non-GAAP financial measures.

3. UnumProvident Financial Highlights
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Financial Results
Premium Income $ 1,987.2 $ 1,940.0 $ 3,957.2 $ 3,875.0 $ 7,815.6 $ 7,839.6 $ 7,615.7
Segment Operating Revenue $ 2,673.8 $ 2,591.2 $ 5,317.2 $ 5,166.3 $ 10,443.9 $ 10,435.7 $ 10,165.4
Net Realized Investment Gain (Loss) (5.8) 65.5 (3.3) 62.3 (6.7) 29.2 (173.8)
Revenue $ 2,668.0 $ 2,656.7 $ 5,313.9 $ 5,228.6 $ 10,437.2 $ 10,464.9 $ 9,991.6
Income (Loss) from Continuing Operations Before Cumulative
Effect of Accounting Principle Change $ 125.2 $ 171.3 $ 198.6 $ 323.5 $ 513.6 $ (192.2) $ (264.6)
Loss from Discontinued Operations, net of tax - - - - - (60.8) (161.7)
Cumulative Effect of Accounting Principle Change, net of tax - - - - - - 39.9
Net Income (Loss) $ 125.2 $ 171.3 $ 198.6 $ 323.5 $ 513.6 $ (253.0) $ (386.4)
Assets $ 50,401.9 $ 52,430.4 $ 51,866.8 $ 50,832.3 $ 49,718.3
Stockholders' Equity $ 6,986.9 $ 7,854.6 $ 7,363.9 $ 7,224.1 $ 7,271.0
2006
• Three months ended June 2006 net income includes costs of $17.8 million before tax, or $11.6 million after tax, and six months ended June 2006 net income includes costs of $23.1 million before tax,
or $15.0 million after tax, related to early retirement of debt.
• Six months ended June 2006 net income includes a claim reassessment charge of $86.0 million before tax and $55.9 million after tax.
2005
• Full year 2005 net income includes a charge of $75.0 million before tax, or $51.6 million after tax, related to the settlement agreement with the California Department of Insurance and related matters.
• Full year 2005 net income includes a gain on the sale of the U.K. Netherlands branch of $5.7 million before tax and $4.0 million after tax.
• Six months ended June 2005 net income includes an income tax benefit of $32.0 million and full year 2005 net income includes an income tax benefit of $42.8 million related to the reduction of income
tax liabilities.
2004
• Full year 2004 net loss includes a charge of $127.0 million before tax, or $87.8 million after tax, related to the settlement of the multistate market conduct examination.
• Full year 2004 net loss includes a charge of $967.0 million before tax, or $701.0 million after tax, related to the restructuring of the individual income protection - closed block business.
2003
• Full year 2003 net loss includes a charge of $894.0 million before tax, or $581.1 million after tax, related to the U.S. Brokerage group income protection reserve strengthening.
See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
1

4. UnumProvident Financial Highlights
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Per Common Share Information
Assuming Dilution:
Income (Loss) from Continuing Operations Before
Cumulative Effect of Accounting Principle Change $ 0.38 $ 0.55 $ 0.61 $ 1.05 $ 1.64 $ (0.65) $ (0.96)
Loss from Discontinued Operations, net of tax - - - - - (0.21) (0.58)
Cumulative Effect of Accounting Principle Change, net of tax - - - - - - 0.14
Net Income (Loss) $ 0.38 $ 0.55 $ 0.61 $ 1.05 $ 1.64 $ (0.86) $ (1.40)
Basic:
Income (Loss) from Continuing Operations Before
Cumulative Effect of Accounting Principle Change $ 0.39 $ 0.58 $ 0.64 $ 1.09 $ 1.74 $ (0.65) $ (0.96)
Loss from Discontinued Operations, net of tax - - - - - (0.21) (0.58)
Cumulative Effect of Accounting Principle Change, net of tax - - - - - - 0.14
Net Income (Loss) $ 0.39 $ 0.58 $ 0.64 $ 1.09 $ 1.74 $ (0.86) $ (1.40)
Dividends Paid $ 0.0750 $ 0.0750 $ 0.1500 $ 0.1500 $ 0.3000 $ 0.3000 $ 0.3725
Book Value $ 20.40 $ 26.37 $ 24.66 $ 24.36 $ 24.55
Price (UNM closing price on last trading day of period) $ 18.13 $ 18.32 $ 22.75 $ 17.94 $ 15.77
1.1

5. UnumProvident Consolidated Statements of Operations
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Revenue
Premium Income $ 1,987.2 $ 1,940.0 $ 3,957.2 $ 3,875.0 $ 7,815.6 $ 7,839.6 $ 7,615.7
Net Investment Income 576.6 548.2 1,140.4 1,076.2 2,188.3 2,158.7 2,158.4
Net Realized Investment Gain (Loss) (5.8) 65.5 (3.3) 62.3 (6.7) 29.2 (173.8)
Other Income 110.0 103.0 219.6 215.1 440.0 437.4 391.3
Total Revenue 2,668.0 2,656.7 5,313.9 5,228.6 10,437.2 10,464.9 9,991.6
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 1,807.9 1,730.6 3,675.4 3,468.5 7,083.2 7,248.4 7,868.1
Commissions 203.7 210.2 414.6 417.9 804.7 842.3 844.1
Interest and Debt Expense 48.7 52.9 101.8 105.7 208.0 207.1 187.2
Cost Related to Early Retirement of Debt 17.8 - 23.1 - - - -
Deferral of Policy Acquisition Costs (129.4) (145.0) (265.3) (282.6) (519.4) (557.3) (665.9)
Amortization of Deferred Policy Acquisition Costs 118.0 121.1 237.8 236.9 463.7 436.7 458.6
Amortization of Value of Business Acquired 2.0 3.9 3.9 8.0 15.1 15.8 37.5
Impairment of Intangible Assets - - - - - 856.4 -
Other Operating Expenses 406.4 417.2 818.7 826.8 1,672.3 1,675.0 1,697.2
Total Benefits and Expenses 2,475.1 2,390.9 5,010.0 4,781.2 9,727.6 10,724.4 10,426.8
Income (Loss) from Continuing Operations Before
Income Taxes and Cumulative Effect of
Accounting Principle Change 192.9 265.8 303.9 447.4 709.6 (259.5) (435.2)
Income Taxes (Benefit) 67.7 94.5 105.3 123.9 196.0 (67.3) (170.6)
Income (Loss) from Continuing Operations Before
Cumulative Effect of Accounting
Principle Change 125.2 171.3 198.6 323.5 513.6 (192.2) (264.6)
Loss from Discontinued
Operations, net of tax - - - - - (60.8) (161.7)
Cumulative Effect of Accounting Principle
Change, net of tax - - - - - - 39.9
Net Income (Loss) $ 125.2 $ 171.3 $ 198.6 $ 323.5 $ 513.6 $ (253.0) $ (386.4)
Average Number of Shares Outstanding
Basic 319,207,273 295,606,363 308,266,789 295,558,629 295,776,405 295,224,305 276,132,176
Dilutive Securities:
Purchase Contracts 8,352,258 10,848,872 14,350,743 10,570,503 14,297,834 - -
Options and Other Dilutive Securities 2,345,445 2,653,061 2,217,088 2,236,114 2,438,404 - -
Assuming Dilution 329,904,976 309,108,296 324,834,620 308,365,246 312,512,643 295,224,305 276,132,176
Actual Number of Shares Outstanding 342,518,350 297,886,901 298,557,764 296,545,913 296,143,422
2

6. UnumProvident Financial Sales Data
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 % Change 6/30/2006 6/30/2005 % Change 12/31/2005 12/31/2004 12/31/2003
U.S. Brokerage Segment
Fully Insured Products
Group Long-term Income Protection $ 50.9 $ 47.7 6.7 % $ 94.0 $ 84.7 11.0 % $ 180.4 $ 180.4 $ 299.1
Group Short-term Income Protection 18.8 14.7 27.9 30.8 30.7 0.3 74.8 79.5 127.2
Group Life 43.5 38.5 13.0 76.7 70.2 9.3 157.8 166.5 241.6
Accidental Death & Dismemberment 3.1 3.3 (6.1) 5.9 6.7 (11.9) 14.7 12.8 26.6
Individual Income Protection - Recently Issued 12.6 12.0 5.0 24.9 25.3 (1.6) 53.8 61.6 72.9
Group Long-term Care 4.4 5.4 (18.5) 8.3 10.4 (20.2) 21.1 18.7 27.0
Individual Long-term Care 2.8 3.3 (15.2) 5.5 6.4 (14.1) 13.0 19.5 43.9
Voluntary Workplace Benefits 25.8 24.3 6.2 80.5 75.2 7.0 130.2 114.1 105.8
Total Fully Insured Products 161.9 149.2 8.5 326.6 309.6 5.5 645.8 653.1 944.1
Administrative Services Only (ASO) Products
Group Long-term Income Protection 0.5 0.5 - 0.5 0.6 (16.7) 1.8 1.1 6.5
Group Short-term Income Protection 1.9 0.7 171.4 3.2 1.4 128.6 5.8 7.3 14.4
Total ASO Products 2.4 1.2 100.0 3.7 2.0 85.0 7.6 8.4 20.9
U.S. Brokerage Segment 164.3 150.4 9.2 330.3 311.6 6.0 653.4 661.5 965.0
Unum Limited Segment
Group Long-term Income Protection 14.1 38.8 (63.7) 21.3 56.6 (62.4) 91.2 103.3 81.5
Group Life 4.6 5.0 (8.0) 7.7 20.8 (63.0) 33.0 68.1 27.7
Individual Income Protection 1.3 2.2 (40.9) 2.7 5.3 (49.1) 8.1 11.1 19.4
Unum Limited Segment 20.0 46.0 (56.5) 31.7 82.7 (61.7) 132.3 182.5 128.6
Colonial Segment
Income Protection 46.3 41.1 12.7 88.3 78.0 13.2 176.8 172.5 182.7
Life 14.9 13.9 7.2 29.2 28.1 3.9 60.6 58.6 57.2
Cancer and Critical Illness 11.9 10.9 9.2 22.8 21.1 8.1 49.0 47.4 45.3
Colonial Segment 73.1 65.9 10.9 140.3 127.2 10.3 286.4 278.5 285.2
Individual Income Protection - Closed Block Segment 1.0 1.6 (37.5) 2.4 3.2 (25.0) 6.5 7.8 12.1
Total Sales from Continuing Operations 258.4 263.9 (2.1) 504.7 524.7 (3.8) 1,078.6 1,130.3 1,390.9
Sales from Discontinued Operations - - - - - - - 10.1 36.6
Total $ 258.4 $ 263.9 (2.1) $ 504.7 $ 524.7 (3.8) $ 1,078.6 $ 1,140.4 $ 1,427.5
3

7. UnumProvident Consolidated Balance Sheets
December 31,
June 30,
2006 2005 2004
Assets
Investments
Fixed Maturity Securities $ 33,047.9 $ 34,856.8 $ 32,488.4
Mortgage Loans 874.3 739.4 498.2
Real Estate 18.0 18.2 27.4
Policy Loans 3,299.5 3,201.4 3,073.6
Other Long-term Investments 118.1 122.8 89.9
Short-term Investments 450.1 417.9 410.2
Total Investments 37,807.9 39,356.5 36,587.7
Cash and Bank Deposits 63.2 69.4 130.7
Accounts and Premiums Receivable 2,059.7 1,979.2 2,033.1
Reinsurance Receivable 5,584.1 5,609.2 6,969.2
Accrued Investment Income 635.7 618.7 588.3
Deferred Policy Acquisition Costs 2,951.4 2,913.3 2,882.5
Value of Business Acquired 78.8 78.5 101.5
Goodwill 273.9 273.0 271.1
Other Assets 919.6 939.4 1,236.5
Separate Account Assets 27.6 29.6 31.7
Total Assets $ 50,401.9 $ 51,866.8 $ 50,832.3
Liabilities
Policy and Contract Benefits $ 2,043.8 $ 2,063.4 $ 1,841.6
Reserves for Future Policy and Contract Benefits 34,282.7 34,041.5 33,224.8
Unearned Premiums 599.7 481.8 500.8
Other Policyholders' Funds 2,134.7 2,235.5 2,425.3
Income Tax 419.2 1,008.0 1,060.9
Short-term Debt - - 227.0
Long-term Debt 2,561.6 3,261.6 2,862.0
Other Liabilities 1,345.7 1,381.5 1,434.1
Separate Account Liabilities 27.6 29.6 31.7
Total Liabilities 43,415.0 44,502.9 43,608.2
Stockholders' Equity
Common Stock 34.4 30.1 29.8
Additional Paid-in Capital 2,190.5 1,627.9 1,588.4
Accumulated Other Comprehensive Income 51.7 1,163.5 1,481.1
Retained Earnings 4,764.5 4,610.4 4,185.5
Treasury Stock (54.2) (54.2) (54.2)
Deferred Compensation - (13.8) (6.5)
Total Stockholders' Equity 6,986.9 7,363.9 7,224.1
Total Liabilities and Stockholders' Equity $ 50,401.9 $ 51,866.8 $ 50,832.3
4

8. UnumProvident Segment Deferred Policy Acquisition Costs
Individual
Income
U.S. Unum Protection - Corporate
Brokerage Limited Colonial Closed Block and Other Consolidated
Balances at December 31, 2003 $ 2,142.1 $ 138.3 $ 488.4 $ 282.2 $ 0.9 $ 3,051.9
Capitalized 346.0 37.7 173.7 - (0.1) 557.3
Amortized (286.3) (19.2) (131.2) - - (436.7)
Impairment - - - (282.2) - (282.2)
Foreign Currency and Other (5.6) (1.9) - - (0.3) (7.8)
Balances at December 31, 2004 2,196.2 154.9 530.9 - 0.5 2,882.5
Capitalized 311.9 34.1 173.4 - - 519.4
Amortized (306.9) (21.6) (134.7) - (0.5) (463.7)
Foreign Currency and Other - (24.9) - - - (24.9)
Balances at December 31, 2005 2,201.2 142.5 569.6 - - 2,913.3
Capitalized 156.4 17.2 91.7 - - 265.3
Amortized (156.9) (11.0) (69.9) - - (237.8)
Foreign Currency and Other - 10.6 - - - 10.6
Balances at June 30, 2006 $ 2,200.7 $ 159.3 $ 591.4 $ - $ - $ 2,951.4
4.1

9. UnumProvident Segment Balance Sheets - June 30, 2006
U.S. Brokerage
Group Life Individual
Group and Accidental Supplemental Total Income
Income Death & and U.S. Unum Protection - Corporate
Protection Dismemberment Voluntary Brokerage Limited Colonial Closed Block and Other Consolidated
Assets
Investments $ 9,101.9 $ 2,261.5 $ 4,437.7 $ 15,801.1 $ 3,028.2 $ 1,447.4 $ 11,914.0 $ 5,617.2 $ 37,807.9
Deferred Policy Acquisition Costs 583.0 287.4 1,330.3 2,200.7 159.3 591.4 - - 2,951.4
Value of Business Acquired - - 2.6 2.6 60.7 15.5 - - 78.8
Goodwill 2.5 - 187.5 190.0 13.3 - - 70.6 273.9
All Other 943.1 134.0 394.7 1,471.8 478.5 197.2 3,220.8 3,921.6 9,289.9
Total Assets $ 10,630.5 $ 2,682.9 $ 6,352.8 $ 19,666.2 $ 3,740.0 $ 2,251.5 $ 15,134.8 $ 9,609.4 $ 50,401.9
Liabilities
Reserves and Policyholder Benefits $ 8,217.3 $ 1,568.2 $ 4,224.9 $ 14,010.4 $ 2,611.9 $ 1,340.9 $ 12,428.0 $ 8,669.7 $ 39,060.9
Debt - - - - - - - 2,561.6 2,561.6
All Other 375.2 87.7 292.6 755.5 283.8 141.6 1.6 610.0 1,792.5
Total Liabilities 8,592.5 1,655.9 4,517.5 14,765.9 2,895.7 1,482.5 12,429.6 11,841.3 43,415.0
Other Allocated Stockholders' Equity 2,022.5 1,028.0 1,717.6 4,768.1 767.4 765.4 2,606.3 (2,107.2) 6,800.0
Unrealized Gain/Loss on Securities 15.5 (1.0) 117.7 132.2 76.9 3.6 98.9 (124.7) 186.9
Total Allocated Stockholders'
Equity 2,038.0 1,027.0 1,835.3 4,900.3 844.3 769.0 2,705.2 (2,231.9) 6,986.9
Total Liabilities and Allocated
Stockholders' Equity $ 10,630.5 $ 2,682.9 $ 6,352.8 $ 19,666.2 $ 3,740.0 $ 2,251.5 $ 15,134.8 $ 9,609.4 $ 50,401.9
Allocated stockholders' equity is determined on the basis of an internal allocation formula that reflects the volume and risk components of the business and aligns with the
Company's target capital levels for regulatory and rating agency purposes. This formula is modified periodically to recognize changes in the views of capital requirements.
4.2

10. UnumProvident Segment Balance Sheets - December 31, 2005
U.S. Brokerage
Group Life Individual
Group and Accidental Supplemental Total Income
Income Death & and U.S. Unum Protection - Corporate
Protection Dismemberment Voluntary Brokerage Limited Colonial Closed Block and Other Consolidated
Assets
Investments $ 9,498.2 $ 2,342.0 $ 4,477.8 $ 16,318.0 $ 2,789.8 $ 1,552.3 $ 12,535.3 $ 6,161.1 $ 39,356.5
Deferred Policy Acquisition Costs 593.8 300.4 1,307.0 2,201.2 142.5 569.6 - - 2,913.3
Value of Business Acquired - - 2.7 2.7 59.8 16.0 - - 78.5
Goodwill 2.5 - 187.5 190.0 12.4 - - 70.6 273.0
All Other 843.6 211.3 419.3 1,474.2 330.8 93.7 3,256.8 4,090.0 9,245.5
Total Assets $ 10,938.1 $ 2,853.7 $ 6,394.3 $ 20,186.1 $ 3,335.3 $ 2,231.6 $ 15,792.1 $ 10,321.7 $ 51,866.8
Liabilities
Reserves and Policyholder Benefits $ 8,298.7 $ 1,624.3 $ 3,930.5 $ 13,853.5 $ 2,343.0 $ 1,288.0 $ 12,631.8 $ 8,705.9 $ 38,822.2
Debt - - - - - - - 3,261.6 3,261.6
All Other 437.3 118.7 448.8 1,004.8 253.2 138.6 171.1 851.4 2,419.1
Total Liabilities 8,736.0 1,743.0 4,379.3 14,858.3 2,596.2 1,426.6 12,802.9 12,818.9 44,502.9
Other Allocated Stockholders' Equity 2,018.9 1,065.3 1,608.3 4,692.5 650.7 753.6 2,540.0 (2,586.9) 6,049.9
Unrealized Gain/Loss on Securities 183.2 45.4 406.7 635.3 88.4 51.4 449.2 89.7 1,314.0
Total Allocated Stockholders'
Equity 2,202.1 1,110.7 2,015.0 5,327.8 739.1 805.0 2,989.2 (2,497.2) 7,363.9
Total Liabilities and Allocated
Stockholders' Equity $ 10,938.1 $ 2,853.7 $ 6,394.3 $ 20,186.1 $ 3,335.3 $ 2,231.6 $ 15,792.1 $ 10,321.7 $ 51,866.8
4.3

11. UnumProvident Financial Results by Segment
Three Months Ended Six Months Ended
6/30/2006 6/30/2005 % Change 6/30/2006 6/30/2005 % Change
Premium Income
U.S. Brokerage $ 1,311.6 $ 1,317.3 (0.4) % $ 2,615.4 $ 2,626.5 (0.4) %
Unum Limited 200.7 193.1 3.9 392.1 383.1 2.3
Colonial 209.5 195.6 7.1 412.1 389.1 5.9
Individual Income Protection - Closed Block 264.2 232.8 13.5 535.2 474.8 12.7
Other 1.2 1.2 - 2.4 1.5 60.0
1,987.2 1,940.0 2.4 3,957.2 3,875.0 2.1
Net Investment Income
U.S. Brokerage 258.9 250.4 3.4 516.6 494.4 4.5
Unum Limited 39.9 39.6 0.8 77.9 77.3 0.8
Colonial 23.4 23.3 0.4 46.0 48.3 (4.8)
Individual Income Protection - Closed Block 214.0 189.7 12.8 416.2 369.6 12.6
Other 28.4 32.8 (13.4) 57.1 61.9 (7.8)
Corporate 12.0 12.4 (3.2) 26.6 24.7 7.7
576.6 548.2 5.2 1,140.4 1,076.2 6.0
Other Income
U.S. Brokerage 28.1 25.2 11.5 53.5 52.2 2.5
Unum Limited (0.1) (0.1) - - 0.4 (100.0)
Colonial 0.4 1.0 (60.0) 0.7 2.2 (68.2)
Individual Income Protection - Closed Block 23.9 19.8 20.7 50.2 44.5 12.8
Other 54.7 52.9 3.4 108.8 106.5 2.2
Corporate 3.0 4.2 (28.6) 6.4 9.3 (31.2)
110.0 103.0 6.8 219.6 215.1 2.1
Total Operating Revenue
U.S. Brokerage 1,598.6 1,592.9 0.4 3,185.5 3,173.1 0.4
Unum Limited 240.5 232.6 3.4 470.0 460.8 2.0
Colonial 233.3 219.9 6.1 458.8 439.6 4.4
Individual Income Protection - Closed Block 502.1 442.3 13.5 1,001.6 888.9 12.7
Other 84.3 86.9 (3.0) 168.3 169.9 (0.9)
Corporate 15.0 16.6 (9.6) 33.0 34.0 (2.9)
2,673.8 2,591.2 3.2 5,317.2 5,166.3 2.9
5

12. UnumProvident Financial Results by Segment
Three Months Ended Six Months Ended
6/30/2006 6/30/2005 % Change 6/30/2006 6/30/2005 % Change
Benefits and Expenses
U.S. Brokerage $ 1,494.1 $ 1,481.5 0.9 % $ 3,052.5 $ 2,961.2 3.1 %
Unum Limited 184.4 191.3 (3.6) 359.5 372.2 (3.4)
Colonial 183.4 176.3 4.0 362.7 352.2 3.0
Individual Income Protection - Closed Block 468.9 414.6 13.1 953.7 838.1 13.8
Other 75.6 73.0 3.6 151.4 146.7 3.2
Corporate 68.7 54.2 26.8 130.2 110.8 17.5
2,475.1 2,390.9 3.5 5,010.0 4,781.2 4.8
Income (Loss) Before Income Taxes
and Net Realized Investment Gain (Loss)
U.S. Brokerage 104.5 111.4 (6.2) 133.0 211.9 (37.2)
Unum Limited 56.1 41.3 35.8 110.5 88.6 24.7
Colonial 49.9 43.6 14.4 96.1 87.4 10.0
Individual Income Protection - Closed Block 33.2 27.7 19.9 47.9 50.8 (5.7)
Other 8.7 13.9 (37.4) 16.9 23.2 (27.2)
Corporate (53.7) (37.6) (42.8) (97.2) (76.8) (26.6)
198.7 200.3 (0.8) 307.2 385.1 (20.2)
Income Taxes 69.9 71.6 (2.4) 106.5 102.1 4.3
Income Before Net Realized Investment
Gain (Loss) 128.8 128.7 0.1 200.7 283.0 (29.1)
Net Realized Investment Gain (Loss) (5.8) 65.5 (108.9) (3.3) 62.3 (105.3)
Tax Expense (Benefit) on Net Realized
Investment Gain (Loss) (2.2) 22.9 (109.6) (1.2) 21.8 (105.5)
Net Income $ 125.2 $ 171.3 (26.9) $ 198.6 $ 323.5 (38.6)
Note: See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
5.1

13. UnumProvident Quarterly Historical Financial Results by Segment
6/30/06 3/31/06 12/31/05 9/30/05 6/30/05 3/31/05 12/31/04 9/30/04 6/30/04
Premium Income
U.S. Brokerage $ 1,311.6 $ 1,303.8 $ 1,309.0 $ 1,293.5 $ 1,317.3 $ 1,309.2 $ 1,349.3 $ 1,348.4 $ 1,359.5
Unum Limited 200.7 191.4 198.2 204.0 193.1 190.0 177.0 170.1 161.2
Colonial 209.5 202.6 200.5 197.4 195.6 193.5 189.5 186.4 184.0
Individual Income Protection - Closed Block 264.2 271.0 279.3 257.6 232.8 242.0 239.3 246.8 249.2
Other 1.2 1.2 1.4 (0.3) 1.2 0.3 9.2 10.6 2.9
1,987.2 1,970.0 1,988.4 1,952.2 1,940.0 1,935.0 1,964.3 1,962.3 1,956.8
Net Investment Income
U.S. Brokerage 258.9 257.7 255.4 248.4 250.4 244.0 260.9 237.1 238.1
Unum Limited 39.9 38.0 37.7 39.2 39.6 37.7 37.4 35.3 34.5
Colonial 23.4 22.6 24.3 23.4 23.3 25.0 24.5 23.5 23.7
Individual Income Protection - Closed Block 214.0 202.2 207.5 192.9 189.7 179.9 203.6 192.6 189.9
Other 28.4 28.7 29.1 29.5 32.8 29.1 31.0 32.1 32.2
Corporate 12.0 14.6 10.9 13.8 12.4 12.3 7.1 6.6 14.5
576.6 563.8 564.9 547.2 548.2 528.0 564.5 527.2 532.9
Other Income
U.S. Brokerage 28.1 25.4 28.6 27.8 25.2 27.0 23.2 22.8 21.7
Unum Limited (0.1) 0.1 - 5.7 (0.1) 0.5 0.5 0.5 0.8
Colonial 0.4 0.3 0.9 1.3 1.0 1.2 0.6 0.7 0.7
Individual Income Protection - Closed Block 23.9 26.3 25.0 25.7 19.8 24.7 31.2 21.1 20.2
Other 54.7 54.1 55.1 52.3 52.9 53.6 47.2 52.4 52.5
Corporate 3.0 3.4 (0.6) 3.1 4.2 5.1 19.3 3.8 10.2
110.0 109.6 109.0 115.9 103.0 112.1 122.0 101.3 106.1
Total Operating Revenue
U.S. Brokerage 1,598.6 1,586.9 1,593.0 1,569.7 1,592.9 1,580.2 1,633.4 1,608.3 1,619.3
Unum Limited 240.5 229.5 235.9 248.9 232.6 228.2 214.9 205.9 196.5
Colonial 233.3 225.5 225.7 222.1 219.9 219.7 214.6 210.6 208.4
Individual Income Protection - Closed Block 502.1 499.5 511.8 476.2 442.3 446.6 474.1 460.5 459.3
Other 84.3 84.0 85.6 81.5 86.9 83.0 87.4 95.1 87.6
Corporate 15.0 18.0 10.3 16.9 16.6 17.4 26.4 10.4 24.7
2,673.8 2,643.4 2,662.3 2,615.3 2,591.2 2,575.1 2,650.8 2,590.8 2,595.8
6

14. UnumProvident Quarterly Historical Financial Results by Segment
6/30/06 3/31/06 12/31/05 9/30/05 6/30/05 3/31/05 12/31/04 9/30/04 6/30/04
Benefits and Expenses
U.S. Brokerage $ 1,494.1 $ 1,558.4 $ 1,489.1 $ 1,497.8 $ 1,481.5 $ 1,479.7 $ 1,617.7 $ 1,494.8 $ 1,505.7
Unum Limited 184.4 175.1 186.6 199.1 191.3 180.9 168.2 167.8 164.8
Colonial 183.4 179.3 187.0 180.1 176.3 175.9 174.6 171.0 169.0
Individual Income Protection - Closed Block 468.9 484.8 478.1 480.8 414.6 423.5 436.3 427.3 429.3
Other 75.6 75.8 76.7 67.9 73.0 73.7 79.1 83.4 73.0
Corporate 68.7 61.5 53.3 49.9 54.2 56.6 57.9 55.2 55.4
2,475.1 2,534.9 2,470.8 2,475.6 2,390.9 2,390.3 2,533.8 2,399.5 2,397.2
Income (Loss) from Continuing
Operations Before Income Taxes and
Net Realized Investment Gain (Loss)
U.S. Brokerage 104.5 28.5 103.9 71.9 111.4 100.5 15.7 113.5 113.6
Unum Limited 56.1 54.4 49.3 49.8 41.3 47.3 46.7 38.1 31.7
Colonial 49.9 46.2 38.7 42.0 43.6 43.8 40.0 39.6 39.4
Individual Income Protection - Closed Block 33.2 14.7 33.7 (4.6) 27.7 23.1 37.8 33.2 30.0
Other 8.7 8.2 8.9 13.6 13.9 9.3 8.3 11.7 14.6
Corporate (53.7) (43.5) (43.0) (33.0) (37.6) (39.2) (31.5) (44.8) (30.7)
198.7 108.5 191.5 139.7 200.3 184.8 117.0 191.3 198.6
Income Taxes (Benefit) 69.9 36.6 55.5 40.8 71.6 30.5 (0.7) 65.5 67.7
Income from Continuing Operations
Before Net Realized Investment
Gain (Loss) 128.8 71.9 136.0 98.9 128.7 154.3 117.7 125.8 130.9
Net Realized Investment Gain (Loss) (5.8) 2.5 2.4 (71.4) 65.5 (3.2) 25.8 64.5 (86.5)
Tax Expense (Benefit) on Net Realized
Investment Gain (Loss) (2.2) 1.0 0.9 (25.1) 22.9 (1.1) 9.0 22.7 (30.6)
Loss from Discontinued
Operations, net of tax - - - - - - - - (67.8)
Net Income $ 125.2 $ 73.4 $ 137.5 $ 52.6 $ 171.3 $ 152.2 $ 134.5 $ 167.6 $ 7.2
Per Common Share - Assuming Dilution
Income from Continuing Operations $ 0.38 $ 0.23 $ 0.43 $ 0.17 $ 0.55 $ 0.49 $ 0.45 $ 0.55 $ 0.25
Loss from Discontinued Operations,
net of tax - - - - - - - - (0.23)
Net Income $ 0.38 $ 0.23 $ 0.43 $ 0.17 $ 0.55 $ 0.49 $ 0.45 $ 0.55 $ 0.02
Note: See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
6.1

15. UnumProvident Financial Results for U.S. Brokerage Segment
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income $ 1,311.6 $ 1,317.3 $ 2,615.4 $ 2,626.5 $ 5,229.0 $ 5,421.6 $ 5,382.4
Net Investment Income 258.9 250.4 516.6 494.4 998.2 965.8 974.0
Other Income 28.1 25.2 53.5 52.2 108.6 89.8 70.6
Total Operating Revenue 1,598.6 1,592.9 3,185.5 3,173.1 6,335.8 6,477.2 6,427.0
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 1,114.1 1,099.4 2,285.2 2,199.3 4,419.3 4,614.4 5,437.5
Commissions 124.2 138.5 258.6 270.6 501.6 538.3 548.8
Deferral of Policy Acquisition Costs (74.8) (91.0) (156.4) (174.5) (311.9) (346.0) (458.8)
Amortization of Deferred Policy Acquisition Costs 77.9 81.5 156.9 157.5 306.9 286.3 282.0
Amortization of Value of Business Acquired - - 0.1 0.1 0.3 0.2 0.3
Operating Expenses 252.7 253.1 508.1 508.2 1,031.9 1,048.5 1,048.4
Total Benefits and Expenses 1,494.1 1,481.5 3,052.5 2,961.2 5,948.1 6,141.7 6,858.2
Operating Income (Loss) Before Income Taxes and
Net Realized Investment Gains and Losses $ 104.5 $ 111.4 $ 133.0 $ 211.9 $ 387.7 $ 335.5 $ (431.2)
Operating Ratios
Benefit Ratio 84.9 % 83.5 % 87.4 % 83.7 % 84.5 % 85.1 % 101.0 %
Operating Expense Ratio 19.3 % 19.2 % 19.4 % 19.3 % 19.7 % 19.3 % 19.5 %
Before-tax Profit (Loss) Margin 8.0 % 8.5 % 5.1 % 8.1 % 7.4 % 6.2 % (8.0)%
Operating Income (Loss) Before Income Taxes and
Net Realized Investment Gains and Losses, as Reported $ 104.5 $ 111.4 $ 133.0 $ 211.9 $ 387.7 $ 335.5 $ (431.2)
Settlement Agreements Claim Reassessment - Reserve Charge - - (72.8) - - - -
California Settlement Agreement and Related Matters -
Reserve Charge - - - - (29.6) - -
California Settlement Agreement and Related Matters -
Operating Expense Charge - - - - (11.1) - -
Multistate Market Conduct Examination Settlement Agreements -
Reserve Charge - - - - - (80.8) -
Multistate Market Conduct Examination Settlement Agreements -
Operating Expense Charge - - - - - (37.6) -
Reserve Strengthening - - - - - - (894.0)
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Adjusted $ 104.5 $ 111.4 $ 205.8 $ 211.9 $ 428.4 $ 453.9 $ 462.8
Operating Ratios, as Adjusted
Benefit Ratio 84.9 % 83.5 % 84.6 % 83.7 % 83.9 % 83.6 % 84.4 %
Operating Expense Ratio 19.3 % 19.2 % 19.4 % 19.3 % 19.5 % 18.6 % 19.5 %
Before-tax Profit Margin 8.0 % 8.5 % 7.9 % 8.1 % 8.2 % 8.4 % 8.6 %
See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
7

16. UnumProvident Financial Results for U.S. Brokerage Group Income Protection
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income
Group Long-term Income Protection $ 489.8 $ 490.8 $ 975.1 $ 982.4 $ 1,961.6 $ 2,028.6 $ 2,031.7
Group Short-term Income Protection 133.1 146.0 267.6 289.8 566.3 616.1 630.9
Total Premium Income 622.9 636.8 1,242.7 1,272.2 2,527.9 2,644.7 2,662.6
Net Investment Income 150.6 152.8 303.9 301.5 605.7 595.8 609.7
Other Income 21.5 18.4 41.0 38.8 80.3 69.6 56.4
Total Operating Revenue 795.0 808.0 1,587.6 1,612.5 3,213.9 3,310.1 3,328.7
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 592.1 595.1 1,256.5 1,200.6 2,397.7 2,533.1 3,412.1
Commissions 44.1 47.9 90.7 96.0 175.1 199.0 200.1
Deferral of Policy Acquisition Costs (15.2) (18.9) (33.0) (38.7) (64.6) (77.1) (125.1)
Amortization of Deferred Policy Acquisition Costs 21.8 23.0 43.8 46.1 92.2 93.5 96.1
Amortization of Value of Business Acquired - - - - - - -
Operating Expenses 141.8 140.8 290.8 284.9 582.5 619.6 615.5
Total Benefits and Expenses 784.6 787.9 1,648.8 1,588.9 3,182.9 3,368.1 4,198.7
Operating Income (Loss) Before Income Taxes and
Net Realized Investment Gains and Losses $ 10.4 $ 20.1 $ (61.2) $ 23.6 $ 31.0 $ (58.0) $ (870.0)
Operating Ratios
Benefit Ratio 95.1 % 93.5 % 101.1 % 94.4 % 94.8 % 95.8 % 128.1 %
Operating Expense Ratio 22.8 % 22.1 % 23.4 % 22.4 % 23.0 % 23.4 % 23.1 %
Before-tax Profit (Loss) Margin 1.7 % 3.2 % (4.9)% 1.9 % 1.2 % (2.2)% (32.7)%
Persistency - Group Long-term Income Protection 86.5% 83.2 % 84.8 % 84.8 % 87.2 %
Persistency - Group Short-term Income Protection 83.0% 80.1 % 79.6 % 80.6 % 84.5 %
7.1

17. UnumProvident Financial Results for U.S. Brokerage Group Income Protection - Continued
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Income (Loss) Before Income Taxes and
Net Realized Investment Gains and Losses, as Reported $ 10.4 $ 20.1 $ (61.2) $ 23.6 $ 31.0 $ (58.0) $ (870.0)
Settlement Agreement Claim Reassessment - Reserve Charge - - (72.8) - - - -
California Settlement Agreement and Related Matters -
Reserve Charge - - - - (27.3) - -
California Settlement Agreement and Related Matters -
Operating Expense Charge - - - - (10.1) - -
Multistate Market Conduct Examination Settlement Agreements -
Reserve Charge - - - - - (80.2) -
Multistate Market Conduct Examination Settlement Agreements -
Operating Expense Charge - - - - - (36.5) -
Reserve Strengthening - - - - - - (894.0)
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Adjusted $ 10.4 $ 20.1 $ 11.6 $ 23.6 $ 68.4 $ 58.7 $ 24.0
Operating Ratios, as Adjusted
Benefit Ratio 95.1 % 93.5 % 95.3 % 94.4 % 93.8 % 92.7 % 94.6 %
Operating Expense Ratio 22.8 % 22.1 % 23.4 % 22.4 % 22.6 % 22.0 % 23.1 %
Before-tax Profit Margin 1.7 % 3.2 % 0.9 % 1.9 % 2.7 % 2.2 % 0.9 %
See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
7.2

18. UnumProvident Financial Results for U.S. Brokerage Group Life and Accidental Death and Dismemberment
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income
Group Life $ 322.5 $ 333.0 $ 642.6 $ 662.2 $ 1,306.8 $ 1,441.0 $ 1,463.8
Accidental Death & Dismemberment 39.0 38.5 77.7 79.0 156.4 182.4 198.6
Total Premium Income 361.5 371.5 720.3 741.2 1,463.2 1,623.4 1,662.4
Net Investment Income 35.2 38.2 70.3 78.0 151.9 147.9 145.0
Other Income (Loss) (0.1) 0.3 (0.1) 0.3 2.0 (0.6) 0.5
Total Operating Revenue 396.6 410.0 790.5 819.5 1,617.1 1,770.7 1,807.9
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 276.0 284.4 550.8 559.5 1,111.9 1,244.3 1,280.0
Commissions 23.1 30.8 46.1 56.2 97.8 106.2 113.2
Deferral of Policy Acquisition Costs (9.9) (18.3) (19.7) (29.5) (42.7) (47.0) (80.0)
Amortization of Deferred Policy Acquisition Costs 16.3 18.6 32.7 36.4 73.0 67.0 71.9
Amortization of Value of Business Acquired - - - - - - -
Operating Expenses 46.3 46.6 91.9 93.5 188.3 186.8 200.1
Total Benefits and Expenses 351.8 362.1 701.8 716.1 1,428.3 1,557.3 1,585.2
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses $ 44.8 $ 47.9 $ 88.7 $ 103.4 $ 188.8 $ 213.4 $ 222.7
Operating Ratios
Benefit Ratio 76.3 % 76.6 % 76.5 % 75.5 % 76.0 % 76.6 % 77.0 %
Operating Expense Ratio 12.8 % 12.5 % 12.8 % 12.6 % 12.9 % 11.5 % 12.0 %
Before-tax Profit Margin 12.4 % 12.9 % 12.3 % 14.0 % 12.9 % 13.1 % 13.4 %
Persistency - Group Life 79.9 % 75.0 % 78.3 % 84.0 % 83.2 %
Persistency - Accidental Death & Dismemberment 80.2 % 76.9 % 76.9 % 80.3 % 84.2 %
7.3

19. UnumProvident Financial Results for U.S. Brokerage Supplemental and Voluntary
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income
Individual Income Protection - Recently Issued $ 111.2 $ 106.6 $ 221.4 $ 214.7 $ 425.1 $ 415.6 $ 392.8
Long-term Care 121.2 117.4 241.8 231.9 473.2 444.5 404.6
Voluntary Workplace Benefits 94.8 85.0 189.2 166.5 339.6 293.4 260.0
Total Premium Income 327.2 309.0 652.4 613.1 1,237.9 1,153.5 1,057.4
Net Investment Income 73.1 59.4 142.4 114.9 240.6 222.1 219.3
Other Income 6.7 6.5 12.6 13.1 26.3 20.8 13.7
Total Operating Revenue 407.0 374.9 807.4 741.1 1,504.8 1,396.4 1,290.4
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 246.0 219.9 477.9 439.2 909.7 837.0 745.4
Commissions 57.0 59.8 121.8 118.4 228.7 233.1 235.5
Deferral of Policy Acquisition Costs (49.7) (53.8) (103.7) (106.3) (204.6) (221.9) (253.7)
Amortization of Deferred Policy Acquisition Costs 39.8 39.9 80.4 75.0 141.7 125.8 114.0
Amortization of Value of Business Acquired - - 0.1 0.1 0.3 0.2 0.3
Operating Expenses 64.6 65.7 125.4 129.8 261.1 242.1 232.8
Total Benefits and Expenses 357.7 331.5 701.9 656.2 1,336.9 1,216.3 1,074.3
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses $ 49.3 $ 43.4 $ 105.5 $ 84.9 $ 167.9 $ 180.1 $ 216.1
Operating Ratios
Benefit Ratios
Individual Income Protection - Recently Issued 57.5 % 53.8 % 56.5 % 55.8 % 57.5 % 57.7 % 54.6 %
Long-term Care 100.7 % 91.1 % 96.9 % 90.7 % 93.0 % 88.8 % 84.7 %
Voluntary Workplace Benefits 63.3 % 65.3 % 62.6 % 65.4 % 66.3 % 69.0 % 72.5 %
Operating Expense Ratio 19.7 % 21.3 % 19.2 % 21.2 % 21.1 % 21.0 % 22.0 %
Before-tax Profit Margin 15.1 % 14.0 % 16.2 % 13.8 % 13.6 % 15.6 % 20.4 %
Interest Adjusted Loss Ratio
Individual Income Protection - Recently Issued 43.4 % 40.8 % 42.6 % 43.3 % 44.4 % 46.1 % 41.5 %
7.4

20. UnumProvident Financial Results for U.S. Brokerage Supplemental and Voluntary - Continued
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Persistency - Individual Income Protection - Recently Issued 90.4 % 89.4 % 89.6 % 90.7 % 89.6 %
Persistency - Long-term Care 95.5 % 95.3 % 95.8 % 95.5 % 95.0 %
Persistency - Voluntary Workplace Benefits 80.6 % 80.8 % 81.1 % 81.0 % 82.1 %
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Reported $ 49.3 $ 43.4 $ 105.5 $ 84.9 $ 167.9 $ 180.1 $ 216.1
California Settlement Agreement and Related Matters -
Reserve Charge - - - - (2.3) - -
California Settlement Agreement and Related Matters -
Operating Expense Charge - - - - (1.0) - -
Multistate Market Conduct Examination Settlement Agreements -
Reserve Charge - - - - - (0.6) -
Multistate Market Conduct Examination Settlement Agreements -
Operating Expense Charge - - - - - (1.1) -
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Adjusted $ 49.3 $ 43.4 $ 105.5 $ 84.9 $ 171.2 $ 181.8 $ 216.1
Operating Ratios, as Adjusted
Benefit Ratios
Individual Income Protection - Recently Issued 57.5 % 53.8 % 56.5 % 55.8 % 57.0 % 57.6 % 54.6 %
Long-term Care 100.7 % 91.1 % 96.9 % 90.7 % 93.0 % 88.8 % 84.7 %
Voluntary Workplace Benefits 63.3 % 65.3 % 62.6 % 65.4 % 66.3 % 69.0 % 72.5 %
Operating Expense Ratio 19.7 % 21.3 % 19.2 % 21.2 % 21.0 % 20.9 % 22.0 %
Before-tax Profit Margin 15.1 % 14.0 % 16.2 % 13.8 % 13.8 % 15.8 % 20.4 %
Interest Adjusted Loss Ratio, as Adjusted
Individual Income Protection - Recently Issued 43.4 % 40.8 % 42.6 % 43.3 % 43.8 % 46.0 % 41.5 %
See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
7.5

21. UnumProvident Financial Results for Unum Limited Segment
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income
Group Long-term Income Protection $ 150.4 $ 142.5 $ 297.7 $ 281.0 $ 582.9 $ 501.8 $ 371.2
Group Life 42.0 39.1 78.7 79.1 164.1 117.9 60.8
Individual Income Protection 8.3 11.5 15.7 23.0 38.3 39.4 45.0
Total Premium Income 200.7 193.1 392.1 383.1 785.3 659.1 477.0
Net Investment Income 39.9 39.6 77.9 77.3 154.2 139.6 106.5
Other Income (Loss) (0.1) (0.1) - 0.4 6.1 3.1 9.9
Total Operating Revenue 240.5 232.6 470.0 460.8 945.6 801.8 593.4
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 137.8 140.4 266.9 269.8 545.8 464.5 344.5
Commissions 11.2 11.9 23.1 26.5 56.4 48.9 34.1
Deferral of Policy Acquisition Costs (9.0) (10.0) (17.2) (18.8) (34.1) (37.7) (33.6)
Amortization of Deferred Policy Acquisition Costs 5.7 5.4 11.0 10.8 21.6 19.2 17.0
Amortization of Value of Business Acquired 1.8 3.6 3.3 7.3 14.2 14.4 5.4
Operating Expenses 36.9 40.0 72.4 76.6 154.0 141.2 114.0
Total Benefits and Expenses 184.4 191.3 359.5 372.2 757.9 650.5 481.4
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses $ 56.1 $ 41.3 $ 110.5 $ 88.6 $ 187.7 $ 151.3 $ 112.0
Operating Ratios
Benefit Ratio 68.7 % 72.7 % 68.1 % 70.4 % 69.5 % 70.5 % 72.2 %
Operating Expense Ratio 18.4 % 20.7 % 18.5 % 20.0 % 19.6 % 21.4 % 23.9 %
Before-tax Profit Margin 28.0 % 21.4 % 28.2 % 23.1 % 23.9 % 23.0 % 23.5 %
Persistency - Group Long-term Income Protection 89.5 % 95.1 % 94.2 % 92.1 % 92.9 %
Persistency - Group Life 74.3 % 84.9 % 86.3 % 83.0 % 87.7 %
Persistency - Individual Income Protection 87.8 % 88.4 % 88.4 % 86.7 % 87.2 %
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Reported $ 56.1 $ 41.3 $ 110.5 $ 88.6 $ 187.7 $ 151.3 $ 112.0
Gain on Sale of Netherlands Branch - - - - 5.7 - -
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Adjusted $ 56.1 $ 41.3 $ 110.5 $ 88.6 $ 182.0 $ 151.3 $ 112.0
Operating Ratio, as Adjusted
Before-tax Profit Margin 28.0 % 21.4 % 28.2 % 23.1 % 23.2 % 23.0 % 23.5 %
See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
8

22. UnumProvident Financial Results for Colonial Segment
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income
Income Protection $ 132.8 $ 126.3 $ 262.6 $ 252.1 $ 508.9 $ 486.2 $ 464.9
Life 32.5 28.3 62.5 56.3 114.0 106.9 96.7
Cancer and Critical Illness 44.2 41.0 87.0 80.7 164.1 147.9 131.9
Total Premium Income 209.5 195.6 412.1 389.1 787.0 741.0 693.5
Net Investment Income 23.4 23.3 46.0 48.3 96.0 94.5 90.0
Other Income 0.4 1.0 0.7 2.2 4.4 2.3 2.5
Total Operating Revenue 233.3 219.9 458.8 439.6 887.4 837.8 786.0
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 110.4 105.2 215.9 209.3 433.2 408.3 395.4
Commissions 49.1 42.3 92.8 84.9 170.7 173.9 164.9
Deferral of Policy Acquisition Costs (45.6) (43.9) (91.7) (89.2) (173.4) (173.7) (166.1)
Amortization of Deferred Policy Acquisition Costs 34.4 34.0 69.9 68.4 134.7 131.2 118.3
Amortization of Value of Business Acquired 0.2 0.3 0.5 0.6 0.6 1.2 (0.9)
Operating Expenses 34.9 38.4 75.3 78.2 153.5 141.3 127.7
Total Benefits and Expenses 183.4 176.3 362.7 352.2 719.3 682.2 639.3
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses $ 49.9 $ 43.6 $ 96.1 $ 87.4 $ 168.1 $ 155.6 $ 146.7
Operating Ratios
Benefit Ratio 52.7 % 53.8 % 52.4 % 53.8 % 55.0 % 55.1 % 57.0 %
Operating Expense Ratio 16.7 % 19.6 % 18.3 % 20.1 % 19.5 % 19.1 % 18.4 %
Before-tax Profit Margin 23.8 % 22.3 % 23.3 % 22.5 % 21.4 % 21.0 % 21.2 %
Persistency - Income Protection 74.7 % 75.1 % 75.3 % 75.6 % 72.0 %
Persistency - Life 84.8 % 84.3 % 84.1 % 84.1 % 87.2 %
Persistency - Cancer and Critical Illness 82.1 % 82.5 % 83.2 % 82.6 % 82.0 %
9

23. UnumProvident Financial Results for Individual Income Protection - Closed Block Segment
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income $ 264.2 $ 232.8 $ 535.2 $ 474.8 $ 1,011.7 $ 986.6 $ 1,028.5
Net Investment Income 214.0 189.7 416.2 369.6 770.0 799.1 824.2
Other Income 23.9 19.8 50.2 44.5 95.2 100.3 95.9
Total Operating Revenue 502.1 442.3 1,001.6 888.9 1,876.9 1,886.0 1,948.6
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 415.0 356.2 845.4 727.7 1,562.7 1,618.9 1,533.6
Commissions 18.9 17.1 39.4 35.6 74.9 76.3 85.5
Deferral of Policy Acquisition Costs - - - - - - (7.5)
Amortization of Deferred Policy Acquisition Costs - - - - - - 41.3
Amortization of Value of Business Acquired - - - - - - 32.7
Intangible Assets Write-down - - - - - 856.4 -
Operating Expenses 35.0 41.3 68.9 74.8 159.4 157.2 200.5
Total Benefits and Expenses 468.9 414.6 953.7 838.1 1,797.0 2,708.8 1,886.1
Operating Income (Loss) Before Income Taxes and
Net Realized Investment Gains and Losses $ 33.2 $ 27.7 $ 47.9 $ 50.8 $ 79.9 $ (822.8) $ 62.5
Operating Ratios
Interest Adjusted Loss Ratio 93.0 % 86.4 % 94.8 % 87.1 % 89.3 % 93.4 % 82.7 %
Persistency 94.3 % 94.6 % 94.5 % 94.5 % 94.2 %
10

24. UnumProvident Financial Results for Individual Income Protection - Closed Block Segment - Continued
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Income (Loss) Before Income Taxes and
Net Realized Investment Gains and Losses, as Reported $ 33.2 $ 27.7 $ 47.9 $ 50.8 $ 79.9 $ (822.8) $ 62.5
Settlement Agreement Claim Reassessment - Reserve Charge - - (13.2) - - - -
California Settlement Agreement and Related Matters -
Reserve Charge - - - - (23.1) - -
California Settlement Agreement and Related Matters -
Operating Expense Charge - - - - (11.2) - -
Multistate Market Conduct Examination Settlement Agreements -
Reserve Charge - - - - - (3.7) -
Multistate Market Conduct Examination Settlement Agreements -
Operating Expense Charge - - - - - (4.9) -
Individual Income Protection - Closed Block Restructuring -
Reserve Charge - - - - - (110.6) -
Individual Income Protection - Closed Block Restructuring -
Intangible Asset Impairment Charge - - - - - (856.4) -
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses, as Adjusted $ 33.2 $ 27.7 $ 61.1 $ 50.8 $ 114.2 $ 152.8 $ 62.5
Interest Adjusted Loss Ratio, as Adjusted 93.0 % 86.4 % 92.3 % 87.1 % 87.3 % 87.5 % 82.7 %
See quot;Notes to Statistical Supplementquot; on page 16 for additional information.
10.1

25. UnumProvident Financial Results for Other Segment
Three Months Ended Six Months Ended Year Ended
6/30/2006 6/30/2005 6/30/2006 6/30/2005 12/31/2005 12/31/2004 12/31/2003
Operating Revenue
Premium Income $ 1.2 $ 1.2 $ 2.4 $ 1.5 $ 2.6 $ 31.3 $ 34.3
Net Investment Income 28.4 32.8 57.1 61.9 120.5 127.3 140.1
Other Income 54.7 52.9 108.8 106.5 213.9 208.3 204.4
Total Operating Revenue 84.3 86.9 168.3 169.9 337.0 366.9 378.8
Benefits and Expenses
Benefits and Change in Reserves for Future Benefits 30.6 29.4 62.0 62.4 122.2 142.3 157.1
Commissions 0.3 0.4 0.7 0.3 1.1 4.9 10.8
Deferral of Policy Acquisition Costs - (0.1) - (0.1) - 0.1 0.1
Amortization of Deferred Policy Acquisition Costs - 0.2 - 0.2 0.5 - -
Amortization of Value of Business Acquired - - - - - - -
Operating Expenses 44.7 43.1 88.7 83.9 167.5 174.2 168.7
Total Benefits and Expenses 75.6 73.0 151.4 146.7 291.3 321.5 336.7
Operating Income Before Income Taxes and
Net Realized Investment Gains and Losses $ 8.7 $ 13.9 $ 16.9 $ 23.2 $ 45.7 $ 45.4 $ 42.1
11